BELZONI, MS – Hue Townsend, CEO of Guaranty Bank, is proud to announce the bank’s participation in the American Bankers Association Foundation’s Teach Children to Save program throughout April 2026, reaching nearly 550 students promoting financial literacy across our community.

As part of Guaranty Bank’s continued commitment to financial literacy and community investment, representatives from more than 80% of branches across our bank-wide footprint participated in the initiative by visiting local classrooms and leading financial education discussions.

 What Is the Teach Children to Save Program?

The Teach Children to Save program is a national initiative held in April where bankers, educators, and volunteers teach children K–8 about saving, budgeting, and making good financial decisions.

Throughout the month, Guaranty Bank team members introduced students to foundational money management concepts through interactive conversations and real-life examples, including:

Key Money Lessons Taught to Students

• Spend, Save, Share: Decide in advance how much of allowance or earnings goes to each category.
• Open a savings account: Let kids monitor growth and see the value of money.
• Teach needs vs. wants: Show how saving covers essentials while preparing for wants.
• Use real purchases: Have kids pay with their own money to understand cost.
• Create a savings goal: Give it a name and picture so it feels personal.

Why Early Financial Education Matters

For many students, these lessons provide exposure to financial concepts they may not otherwise encounter in a traditional classroom setting. Guaranty Bank views financial education as a critical part of strengthening the long-term success of the communities it serves.

Branch Manager of our Ridgeland office, Cindy Deerman, shared “teaching kids to save is one of the best money habits we can share. Whether a first grader is dreaming big—like pretending to save for a Range Rover—or just hoping to buy a fun new toy, saving early helps them learn how to set goals, make good choices, and practice patience.”

Building Stronger Communities Through Financial Literacy

These small lessons help kids feel confident. Over time, they turn into important life skills—planning ahead, avoiding impulse buys, and feeling in control of their money. When we help kids build these habits now, we’re giving them a strong start and helping them grow into smart, thoughtful money‑makers in the future.

By cultivating a community that values financial literacy, we give our children the tools, support, and inspiration they need to build a secure future. Together, we’re not just teaching them to save money, we’re teaching them to save for their dreams.

About Teach Children To Save:

ABA Foundation, a (501C)3, provides free programs and resources to help banks support the financial well-being of their customers and communities. ABA Foundation’s mission is to inspire, equip and empower banks of all sizes to build thriving, resilient and equitable communities. Learn more at: https://www.aba.com/advocacy/community-programs/teach-children-save

About Guaranty Bank:

Guaranty Bank’s mission is to set the standard in our communities for excellence in financial service products and their delivery, to strengthen the communities we serve, and to help improve the quality of life in those areas; while creating lasting value for our shareholders, employees, and customers. Learn more at Personal & Business Banking Services | Guaranty Bank

BELZONI, MS – Hue Townsend, CEO of Guaranty Bank, is pleased to announce that Kaley Cassandras has joined Guaranty Bank as Branch Manager in Oakland.

Kaley is a graduate of Gateway Christian School and actively participates in the local Oakland Chamber. She frequently volunteers with Fayette Cares, demonstrating her commitment to the community. As a devoted mom and wife, she enjoys life with her two-year-old child and their English bulldog. In her free time, Kaley loves kayaking and cherishing moments outdoors with her family.

Nick Nichols, President and Commercial Banker in Oakland, shared his enthusiasm for Kaley’s leadership, stating, “We’re excited for Kaley to lead our team, and I am confident she will make meaningful contributions to both our customers and our community.”.

Kaley began her banking career in 2021 and has gained experience in all facets of the industry. Through her career, she has served as a teller, consumer service representative, loan assistant, assistant branch manager, and now she proudly serves as the branch manager at our Oakland office.

About Guaranty Bank & Trust: 

Guaranty Bank’s mission is to set the standard in our communities for excellence in financial service products and their delivery, to strengthen the communities we serve, and to help improve the quality of life in those areas; while creating last value for our shareholders, employees, and customers. Learn more at Personal & Business Banking Services | Guaranty Bank

Graduating from college marks an exciting milestone filled with new opportunities and responsibilities. One of the most important aspects of this transition is gaining financial independence and responsibility. From managing student loans to budgeting for daily expenses, graduates face a steep learning curve. At Guaranty Bank, we take pride in helping young adults navigate these challenges and build a strong financial foundation for their future.

Why Financial Responsibility Matters for Graduates

Financial responsibility is more than just managing money—it’s about making informed decisions that impact long-term financial health. For graduates, this means:

• Understanding credit and debt management
• Building savings and emergency funds
• Planning for major expenses like rent, transportation, and insurance
• Setting financial goals such as buying a home or investing

Without proper guidance, graduates risk falling into debt traps or missing opportunities to grow their wealth.

How Guaranty Bank Can Support Graduates in Achieving Financial Goals

We offer a variety of tools and services designed to empower graduates to take control of their finances:

1. Student-Friendly Banking Products

• We provide accounts tailored for students and recent graduates, featuring low fees, no minimum balance requirements, and easy access to funds.

2. Financial Education and Resources

• We offer in-person financial literacy workshops and online content focused on budgeting, credit building, and investing basics. These resources help graduates make informed decisions.

3. Credit Building Opportunities

• Establishing good credit early is vital. We can provide credit cards with manageable limits to help graduates build credit history responsibly.

4. Personalized Financial Planning

• Through one-on-one consultations, we can help graduates create customized budgets, set savings goals, and plan for loan repayment strategies.

5. Digital Tools and Apps

• Our digital banking platform includes budgeting features, spending trackers, and alerts that help graduates monitor their finances in real time and avoid overspending.

Let’s Get Started!

Graduates can begin building financial confidence by taking a few simple steps:

1. Opening a checking and savings account to separate spending and saving.

2. Setting up automatic transfers to build an emergency fund.

3. Using budgeting tools like GOALS in our banking application to track income and expenses.

4. Applying for a credit card designed for beginners and paying balances in full each month.

5. Scheduling regular financial check-ins with a bank advisor to adjust plans as life changes.

Financial responsibility is a critical skill for graduates entering adulthood. At Guaranty Bank, we have a unique opportunity to guide and support young adults through this transition with tailored products, education, and tools. By working together, graduates can build a strong financial future, avoid common pitfalls, and achieve their dreams with confidence. We look forward to helping graduates confidently step into financial independence and work toward their long-term goals.

For more information on how we can support your financial journey after graduation, visit your local Guaranty Bank branch or learn more about all the resources we have to offer! 

Open a student checking account: Personal Checking | Guaranty Bank

Apply for a credit card: Personal Credit Cards | Guaranty Bank

Financial literacy classes: Financial Education Events | Guaranty Bank

Investing in your future: Investing in your Future EVERFI | Guaranty Bank

Financial foundations: Financial Foundations EVERFI | Guaranty Bank

Online banking features: Digital Banking | Guaranty Bank

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Disclaimer:

This material is provided for general information and educational purposes only and is not intended as financial, legal, or investment advice. The information presented may not be suitable for all individuals and should not be relied upon as the sole basis for financial decisions. 

A VA Loan is a mortgage loan program established by the U.S. Department of Veterans Affairs to help veterans, active-duty service members, and eligible surviving spouses purchase, build, or refinance a home. This benefit is designed to make homeownership more accessible and affordable for those who have served in the military.

VA Loans offer several advantages that set them apart from conventional loans. They typically require no down payment, have competitive interest rates, and do not require private mortgage insurance (PMI). This means veterans can often buy a home with little to no upfront cost and lower monthly payments.

Below are a few common frequently asked questions answered by our very own veteran at Guaranty Bank, Vice President, Mortgage Loan Officer, Doug Capps.

• What are the benefits of a VA Loan? VA loans allow for 100% financing with no down payment, no monthly mortgage insurance, flexible credit requirements, and competitive interest rates. 
•  Who qualifies for a VA Loan? Veterans, active duty, National Guard and reserve members, and some surviving spouses. There are service history, length of service, and duty requirements for eligibility.
•  Can I use my VA Home Loan benefit more than once? Yes, VA loans are not just a one-time use loan. You can re-use your home loan benefits over and over, and in some cases, you could have two VA loans at one time (based upon eligibility and available VA entitlement).
• How do I get my Certificate of Eligibility (COE)? Lenders can obtain this information directly from VA, but in some situations, VA may require additional documentation from the borrower to prove eligibility.
• Does my credit score matter for a VA Loan? VA does not impose a minimum credit score requirement. However, this is a lender-to-lender requirement, as many lenders do require a minimum credit score to qualify.
• Are there closing costs or funding fees associated with a VA Loan? Yes, VA loans have normal closing costs and pre-paid items associated with mortgage financing. VA loans also require upfront funding fees (which can be financed into the loan) and some Veterans may be exempt.
• Can I use a VA Loan to buy a second home or investment property? Unfortunately, no. VA loans are allowed for primary residences only.
• Is there a maximum VA Loan amount I can obtain? No, VA does not have a maximum loan amount. Instead, this is determined by the lender (based upon their maximum allowed loan amount) and the borrower’s capability of qualifying. 
• Can you refinance with a VA Loan? Yes, VA allows for two types of refinances: either a cash-out refinance up to 100% of your home value, or an IRRRL (Interest Rate Reduction Refinance Loan) which offers a streamline process and no appraisal.

Additionally, VA Loans provide flexible credit requirements and limit closing costs, making it easier for veterans to qualify and manage the financial aspects of homeownership. The program also offers protections against foreclosure in certain situations, providing an extra layer of security for veterans.

Overall, a VA Loan is a valuable benefit that supports veterans in achieving the dream of owning a home, recognizing their service and sacrifice with favorable loan terms and support. To learn more please visit: https://gbt.mymortgage-online.com/LoanOptions.html#Govt

Educational Disclaimer:

This content is for educational purposes only and does not constitute a loan offer, commitment, or approval. All loan programs, terms, eligibility requirements, and credit standards are subject to change at any time. Loan approval requires a complete application and underwriting review. Down payment assistance programs have limited availability and may include income limits, credit requirements, homebuyer education, and property eligibility criteria. Appraisal values and inspection results cannot be guaranteed. For specific information about your situation, please contact one of our loan officers.

BELZONI, MS – Hue Townsend, CEO of Guaranty Bank, is pleased to announce that Nicky Cobb has been appointed as the 2026 President of the City of Ridgeland Chamber of Commerce.

In 2023, Nicky joined Guaranty Bank & Trust as President, Commercial Banker of the Ridgeland, Mississippi branch. Nicky has served on the City of Ridgeland Chamber of Commerce for seven years. His first term began as a Board of Director from 2018-2021. He then served as Treasurer in 2024, Vice President in 2025, and now serves as the President for 2026. 

The outgoing City of Ridgeland Chamber of Commerce President, Cecil Harper, stated that “It has been a true honor to serve on The Ridgeland Chamber of Commerce Board with my dear friend Nicky Cobb. Nicky has a passion for his community that shows in his leadership. He has been a longtime friend and is held in the highest regard in our community. We couldn’t be more honored for him to take the helm. We are in excellent hands!”

We look forward to the continued impact of Nicky’s efforts and his valuable contributions that will further strengthen our community.

About City of Ridgeland Chamber of Commerce:

The Ridgeland Chamber serves as a catalyst by uniting member businesses, community agencies, education, and government to make our city a great place to live, work and play. We provide our members with networking, referral, and promotional opportunities, and present quality programs to help our members be more successful. We advocate for business on a variety of issues on the local, county, federal and state levels, and work diligently to support new and expanding businesses. Learn more at Ridgeland Chamber of Commerce – Always Open for Business

About Guaranty Bank & Trust:

Guaranty Bank’s mission is to set the standard in our communities for excellence in financial service products and their delivery, to strengthen the communities we serve, and to help improve the quality of life in those areas; while creating lasting value for our shareholders, employees, and customers. Learn more at Personal & Business Banking Services | Guaranty Bank

At Guaranty Bank, we believe financial education is about empowering our neighbors, strengthening our families, and building a thriving community. When individuals understand how to manage, grow, and protect their money, entire communities benefit.

Financial education isn’t just for one season of life. It’s a lifelong journey and we’re here to walk alongside you every step of the way.

Building Confidence Early

Whether you are a student opening a first savings account or a young professional managing their first paycheck, early financial habits matter.

Learning how to:

• Create a realistic budget
• Build healthy credit
• Start saving consistently
• Avoid unnecessary debt

We’re proud to offer accessible accounts, financial literacy workshops, and friendly guidance because everyone deserves a strong start.

Building a Home and a Future

As life grows during careers, marriages, children and home ownership, financial decisions become more complex. Buying a home, savings for college, or planning long-term investments requires trusted advice. That’s where local relationships make a difference. We understand the unique needs of families in our towns.

When you sit down with us to discuss a mortgage, savings plan, or small business loan, you’re talking to people who live and work in the same community you do.

Preparing for Retirement with Peace of Mind

As retirement approaches, priorities shift from growth to security. Questions about income stability, healthcare costs, and legacy planning become more important. Financial education at this stage helps ensure what you have built lasts and supports the people and causes you care about most.

Our team takes time to explain your options clearly and create a plan tailored to your goals.

Supporting You Through Retirement

Even in retirement, financial decisions don’t stop. Managing fixed income, protecting against fraud, and planning your estate require ongoing support.

We remain by your side with:

• Fraud prevention resources
• Personalized account services
• Fixed-income deposit products
• Wealth management & private wealth services

A Lifelong Partnership

At Guaranty Bank, it is an honor and a privilege to offer guidance in every season of life, celebrating your milestones, and helping you navigate challenges with clarity and care. Because when you succeed, our community succeeds. As a bank that has been locally owned and operated since 1943, we’ve remained community focused since our inception. To learn more visit: About | Guaranty Bank. You can also explore our curated playlists Financial Foundation | Guaranty Bank & Trust Co.’s to unlock valuable insights and build the skills you need for a brighter financial future.

A tax refund can feel like extra money, but it is also a great opportunity to strengthen your financial future. Instead of letting it sit in your checking account, consider using your refund to make intentional progress toward your goals. Even small steps today can create meaningful impact tomorrow.

At Guaranty Bank, we are here to help you make confident decisions and put your money to work in ways that support what matters most to you.

Start or Grow Your Emergency Fund

Unexpected expenses can happen at any time. Car repairs, medical bills, and home maintenance costs can quickly add up. An emergency fund helps you handle those moments without relying on credit.

Your tax refund is a great way to get started. Consider moving a portion into a Guaranty Bank savings account and keeping it separate from everyday spending Starting with even a small cushion can help you feel more prepared.

Pay Down High-Interest Debt

Reducing high-interest debt is one of the most impactful ways to use your refund. Applying your refund toward credit card balances or other high-interest loans can lower the amount you owe and reduce interest over time.

This can also free up room in your monthly budget. Once that payment is gone, you can redirect those funds toward savings or other financial priorities.

Jumpstart a Savings Goal

Your refund can help you move closer to something you have been planning. Whether it is a vacation, holiday spending, home updates, or a future purchase, setting aside funds now can make those goals more achievable.

Creating a Goal within Guaranty Bank digital banking can help keep your savings organized and easy to track. Setting a timeline and watching your progress can make it easier to stay motivated.

Cover Upcoming Expenses

Another smart option is using your refund to prepare for known expenses later in the year. Planning ahead can help reduce financial stress and avoid dipping into savings later.

You might use your refund for:

• Summer travel
• Insurance premiums
• Back-to-school shopping
• Home maintenance
• Holiday expenses

Setting these funds aside now helps keep your monthly budget more consistent.

Put Your Refund to Work

Your tax refund does not have to be large to make a difference. Saving part of it, paying down debt, or planning ahead can all help strengthen your financial foundation.

Guaranty Bank offers tools designed to help you stay on track, including savings accounts, digital banking Goals, and financial guidance from your local team. If you are not sure where to start, we are always here to help you create a plan that fits your needs.

Small moves today can make a big difference tomorrow.

Resource Library

Personal Savings

Mobile Banking

Your GOALS are closer thank you think! Start saving today!

Did you know we designed the ability to create savings GOALS right into your digital banking app? That’s right.

Save for an emergency, take off on vacation, or choose any category that you are working to save towards, and digital banking will calculate exactly how much you need to save per week by your target date!

It’s that easy!

• Choose a savings GOAL ($2,000)
• Select a GOAL Target Date
• Choose how frequently you want funds to be transferred (weekly, bi-weekly, etc.)
• Track your progress and watch your savings grow
• Easily transfer money back and forth between your GOALS and checking account

There is nothing more rewarding than watching your savings grow and we’re here to help you celebrate every milestone along the way. We are proud to be able to help you bring your GOALS to fruition, build confidence in your financial future, and recognize the progress you’re making each day. Whether you are saving for something special or a rainy day, every deposit is a step forward to reach that GOAL.

Start your GOALS in digital banking today! Login | Guaranty Bank

March is National Consumer Protection Month

Guaranty Bank & Trust takes pride in the importance of educating our customers on scams and fraud. These types of schemes are becoming increasingly common, and staying informed about ways to avoid this is one of the most powerful ways to safeguard your finances.

What to do if you receive a call or text asking for personal information:

Pause before you respond. Fraudsters often rely on urgency and pressure to catch you off guard.

• Call your local branch and speak with someone you trust to verify.
• Don’t click suspicious links or download unexpected attachments.
• Watch for urgency or pressure tactics—scammers want you to act fast.
• If Guaranty Bank calls, texts, or sends an email to you, please know we would never ask for your passwords, PIN’s or account numbers.

Ways to safeguard your information to protect yourself:

• Monitor your accounts through digital banking and report any unfamiliar transactions immediately.
• Set up card controls to protect your debit cards. You can enable or disable your card, report it as lost or stolen, and notify GBT of travels plans all from our app.
• Customize account alerts in your digital banking app to enable full transparency of account activity.
• Shred sensitive financial documents before disposal.
• Educate your family members, especially children and older adults.

At Guaranty Bank, we have a strong commitment to consumer protection. By staying informed and practicing safe financial habits, you help strengthen the protection around your accounts. If you ever suspect fraudulent activity, contact your local branch immediately. Swift action can make all the difference. 

For more information, please visit https://gbtonline.com/mobile/

BELZONI, MS – Hue Townsend, CEO of Guaranty Bank, is pleased to announce that Paul Townsend IV has been appointed to President, Commercial Banker, in Belzoni.

Paul began his journey with Guaranty Bank in April 1999 at the Indianola branch. Through his unwavering dedication and commitment, he has been a valued member of our commercial banking division. He will now continue his service in our Belzoni branch.

A proud graduate of Humphreys Academy, Mississippi Delta Community College, and Delta State University, Paul has also further enhanced his banking expertise by completing the School of Banking at Ole Miss and the Graduate School of Banking at LSU.

Beyond his professional achievements, Paul has demonstrated strong community leadership serving as past president of the Indianola Lions Club and the Indianola Chamber-Mainstreet. Currently, Paul serves as Treasurer for the Mississippi Delta Community College Foundation.

Paul is married to Valerie Trussell Townsend, and they have one daughter, Mollie Townsend.

“We are delighted to welcome Paul Townsend IV as President, Commercial Banker in our Belzoni branch. Paul’s dedication, expertise, and commitment to our communities have been invaluable to Guaranty Bank. His leadership will further strengthen our team and enhance the service we provide to our customers. We look forward to his continued contributions and the positive impact he will make in Belzoni and beyond,” said CEO, Hue Townsend.

About Guaranty Bank & Trust:

Guaranty Bank’s mission is to set the standard in our communities for excellence in financial service products and their delivery, to strengthen the communities we serve, and to help improve the quality of life in those areas; while creating last value for our shareholders, employees, and customers. Learn more at Personal & Business Banking Services | Guaranty Bank